A loan of $1,000 helped to pay for labor costs for his rice production.


Jean Pierre's story

Jean Pierre is a rice farmer who is engaged. He belongs to the EFFS Coop and he has been a farmer for the past seven years. He learned his rice farming skills from the cooperative’s formal training program.

He will use his Kiva loan to pay for labor costs during his rice production such as nursery, transplanting, field management, guarding birds, and lately in harvesting activities.

With profits from his farming, he wishes to invest in his business so that in the future he can acquire machines and tractors that will enhance his farming capacity.

The agriculture sector accounts for 37% of Rwanda's gross domestic product, generates 65% of Rwanda's export revenue, and employs approximately 90% of Rwandans (as of 2009). Despite the importance of agriculture to Rwandans and their economy, financial institutions view lending to fund agricultural activities as a high-risk proposition because the profitability of these activities is affected by weather, natural disasters, and price fluctuations. For this reason, farmers in Rwanda remain underserved by financial institutions. Urwego Opportunity Bank is expanding into this market and is happy to provide Kiva lenders with the opportunity to support Rwandan farmers.



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Loan details